Banking and financial institutions have an important task – to provide finance to the population. In order to get funds on credit, individuals often look for where to get a loan online without guarantors. Large banks require the identification of guarantors, property secured, and confirmation of solvency to guarantee the return of funds. It often takes a lot of time to process such a loan; you need to collect a package of necessary documents and visit branches. Even with maximum preparation, a banking institution may refuse, especially if the borrower has problems in his credit history.
What is the solution? How to get a loan quickly and profitably? Microfinance organizations (MFOs) allow you to take out a loan online without a guarantor.
What features does an online loan without guarantors have?
Microfinance organizations are a modern way to get a loan without guarantors online in the shortest possible time. Companies do not require certificates of income, pledge of property or the involvement of other persons – guarantors. This greatly simplifies the procedure; funds can be obtained within an hour for urgent needs.
The requirements for the borrower are loyal, the MFO is not interested in the purpose of the loan – the main thing is to return the required amount within the agreed period. Lending is available to different social groups:
- students;
- pensioners;
- unemployed;
- persons working unofficially;
- mom is on maternity leave;
- entrepreneurs, etc.
The main requirements for a borrower in an MFO include:
- citizenship of Ukraine;
- availability of a passport and assignment of an identification code;
- age from 18 to 70 years (may vary depending on company policy);
A significant advantage of microfinance organizations is the opportunity to obtain funds for borrowers with a bad credit history. Often they are necessary to pay off debts. Although there are also refusals when a person has an unsuccessful experience of preliminary cooperation with the same MFO, or debt collection is underway in court.
Conditions for obtaining a loan without guarantors
The conditions for obtaining a loan from an MFO and its execution are simple and understandable to a wide audience of clients. There is no need to look for people who will become guarantors; this does not in any way affect the approval of the loan or the speed of its repayment.
After selecting an MFO, the borrower must fill out a simple form indicating personal data, phone number, and bank card. The organization can check them for veracity. If you apply again, this information will already be in the company’s database and the processing time for the application will be even shorter.
Most companies offer standard conditions:
- the first loan term is up to 30 days;
- interest rate per day is about 1.8%;
- first loan amount – up to 5000 UAH.
Often, for new clients, microfinance organizations offer a reduced interest rate or the first cooperation at zero percent.
Advantages of taking a loan online without guarantors and calls to microfinance organizations
A difficult financial situation can often be solved by taking out a loan online. Many borrowers choose well-known banking institutions. But they have significant disadvantages in the speed of processing a loan and the complexity of the process. An easier way is to choose a microfinance organization. This is the optimal solution for receiving a small amount for a short time. You should read the terms and interest rate carefully, it is generally calculated daily and this can add up to a significant amount.
An online loan without guarantors and calls to microfinance organizations is an option to easily and quickly receive funds on a card, without even leaving home.
Loans from microfinance organizations have a number of advantages:
- quick and easy request processing. This usually takes about 15 minutes. Having chosen the optimal conditions from the institution, you should go to the website and fill out a simple application form with personal data. If everything is done correctly, a confirmation of the transaction will be received (often automatically) and within an hour the funds will be credited to the bank card number specified by the borrower in the application;
- a minimum package of documents and loyal requirements. To obtain a loan, it is often enough for a person to provide passport data, identification code, telephone number or email, bank card details, or choose a method to receive funds in cash. No certificates of employment, guarantors, etc. are needed;
- low failure rate. Microfinance organizations approve 80–90% of applications. Personal status is not important; a positive decision is not affected by a damaged credit history. A loan without guarantors online is available to almost every citizen of Ukraine, provided he is of age.
How and where to get a loan without guarantors: step-by-step instructions
The Bank-ua platform is a large and convenient online loan comparison service. The site presents verified financial organizations that make it possible to obtain loans without guarantors, with simple conditions.
How to apply for a microloan at an MFO through the Bank-ua platform?
- On the Bank-ua website, select the “Online loans without guarantors” section.
- View the list of microfinance organizations and offers. Select the appropriate conditions for your needs.
- Go to the website of the selected company and register a profile that allows you to track the status of the loan, payment terms and other data. Or choose a simple form; you will need an email or phone number to register.
- Activate your account with registration confirmation via a link sent to your email or code from an SMS message.
- Fill out the loan request form: information about yourself.
- Select the required loan amount and the period during which it is possible to repay the debt. New MFO clients can count on 3-5 thousand hryvnia with a return within 15-30 days. Repeated applications may have larger amounts and deadlines.
- Waiting for the application to be reviewed and a positive decision to be made. If the borrower has no overdue loans from this company and all personal data is correct, the chances of getting an online loan without guarantors and calls are more than 90%.
- Linking a bank card or details for cash transfer. You can use a card from any Ukrainian bank to which you can send a transfer.
- If the decision is positive, the borrower receives a copy of the contract. You should familiarize yourself with each sub-item in detail, which will allow you to minimize the risks of difficult situations in the future.
- Confirm your agreement to receive a microloan by frequently sending an SMS code.
A few simple steps can be taken without leaving home, it will take up to an hour. To track deposits, balances, and interest, it is recommended to visit your personal account on the website of a microfinance organization.
Information about our partners
MFO | Contacts | Legal information |
CCloan | Telephone: 0 800 750 027 38 097 583-11-77 38 093 583-11-77 38 044 222-77-33 E-mail: help@ccloan.com.ua Work schedule: around the clock | Address: Ukraine 01024, Kyiv, str. Basina, building 6 Legal name: TOV “SS Lone” EDRPOU 40071779 License of the National Financial Service Commission: No. 1127 dated April 13, 2017. Director: Natalya Valentynivna Klevakina |
in Milo | Telephone: 38 (044) 337 36 67 E-mail: info@miloan.ua Work schedule: Issuance of loans – around the clock, Support service – From 8:00 a.m. to 8:00 p.m | Address: Kyiv, Baggovutivska, building 17-21 Legal name: LLC “Miloan” EDRPOU 40484607 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Vynychenko Oleksiy Vitaliyovych |
Moneyveo | Telephone: 0 800 21 9393 E-mail: support@moneyveo.ua Work schedule: around the clock | Address: 01015, m. Kyiv, 15-B Leiptsyzka Street, 1st floor Legal name: OOO “MANIVEO QUICK FINANCIAL ASSISTANCE” EDRPOU 38569246 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Andronikova Olena Oleksandrivna |
Alexcredit | Telephone: 38 (099) 618 64 64 38 (097) 618 64 64 38 (093) 618 64 64 E-mail: mail@alexcredit.com.ua Work schedule: Loans are issued around the clock Contact center: Mon – Fri from 8:00 a.m. to 8:00 p.m. Sat and Sun from 10:00 to 20:00. | Address: 49041, Dnipro, st. Yakov Samarskyi, 12-A Legal name: LLC “ALEKSKREDIT” EDRPOU 41346335 License of the National Financial Service Commission: No. 3549 dated August 17, 2017 Director: Egorov Vadim Petrovych |
MyCredit | Telephone: 073 369 41 11 067 369 41 11 050 369 41 11 0 800 214 111 E-mail: support@mycredit.ua Work schedule: around the clock | Address: 01010, Kyiv, square Arsenalna, 1-B Legal name: LLC “1 Secure Agency of Necessary Credits” EDRPOU 39861924 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Stenzya Dmytro Vitaliyovych |
CreditKasa | Telephone: 38 044 333 52 22 38 067 373 37 57 38 099 373 37 57 38 063 373 37 57 E-mail: info@creditkasa.ua Work schedule: weekdays from 8:00 a.m. to 9:00 p.m weekends and holidays: from 10:00 to 20:00 | Address: 01133, Kyiv, blvd. Lesi Ukrainka, 26, office. 407 Legal name: LLC “UKR CREDIT FINANCE” EDRPOU 38548598 License of the National Financial Service Commission: No. 2401 dated 06/08/2017 Director: Maria Mykolaivna Hayvoronska |
CreditPlus | Telephone: 0 (800) 753-363 E-mail: info@creditplus.ua Work schedule: Issuance of loans around the clock Support service hours: Mon-Fri: 8:00 a.m. to 11:00 p.m Sat-Sun: from 9:00 to 21:00 | Address: 03062, Kyiv, Prospekt Peremogy 90-A Legal name: LLC “Aventus UKRAINE” EDRPOU 41078230 License of the National Financial Service Commission: No. 756 dated 03/28/2017 Director: Volodymyr Viktorovych Dovhal |
Goufingou | Telephone: 38 (044) 390 30 31 E-mail: info@gofingo.com.ua | Address: 04071, Kyiv, Horiva St., 1A Legal name: LLC “GOUFINGOU” EDRPOU 42059219 License of the National Financial Service Commission: No. 876 dated 06/07/2018 Director: Ivashchenko Iryna Viktorivna |
Fast Money | Telephone: 0 800 50 10 20 E-mail: info@sgroshi.com | Address: 01032, Kyiv, str. Saksaganskyi, 133-A Legal name: LLC “CONSUMER CENTER”, EDRPOU 37356833 License of the National Financial Service Commission: No. 438 dated February 28, 2017 Director: Oleksandr Volodymyrovych Kholod |
There is money | Telephone: 0 800 300 330 Email: info@e-groshi.com Work schedule: around the clock | Address: m Dnipro, Bohdan Khmelnytskyi Avenue, building 180, office (Sq.) 211 Legal name: LLC “FINANCIAL COMPANY E MONEY” EDRPOU 43067861 License of the National Financial Service Commission: No. 1968 dated 08.10.2019 Director: Koretskaya Iryna Serhiivna |
Your Cash | Telephone: 0800 202 404 E-mail: zayavka@limefin.com Work schedule: from 8:00 a.m. to 10:00 p.m. without days off | Address: MYKOLAIV, Pushkinska, building 28, office (Sq.) 7 Legal name: LLC Lime Capital EDRPOU 41885310 License of the National Financial Service Commission: No. 793 dated May 7, 2019 Director: Galina Volodymyrivna Lebedeva |
Wallet | Telephone: +38 (044) 334 44 20 E-mail: info@koshelok.net | Address: 08135 Kyiv region, Kyiv-Svyatoshinsky district, Chaika Antonov, building 8A Legal name: LLC “KOSHELOK” EDRPOU 40842831 License of the National Financial Service Commission: No. 432 dated 28.02.2017 Director: Serhiy Serhiyovych Krylov |
CashBerry | Telephone: 0 800 600 770 E-mail: info@cashberry.com.ua Work schedule: Monday – Friday: 08:00 – 20:00 Sat – Mon: 09:00 – 18:00 | Address: Kyiv Klovsky Uzviz, b. 7, office (Sq.) Room 103 Legal name: LLC “Financial company Invest Finance” EDRPOU 40284315 License of the National Financial Service Commission: No. 1680 dated 05/16/2017 Director: Kupriyanov Maksym Serhiyovych |
Credit7 | Telephone: 0 800 33 07 33 E-mail: info@credit7.ua Work schedule: Mon-Fri: from 9:00 a.m. to 9:00 p.m Sat-Sun: from 9:00 to 19:00 | Address: 02081 Kyiv, Dniprovska naberezhna, 25, office (Sq.) 318 Legal name: LLC “LINEURA UKRAINE” EDRPOU 42753492 License of the National Financial Service Commission: FC certificate No. 1177 dated 03/19/2019 Director: Shchenichny Andriy Ivanovych |
Forzacredit | Telephone: 0800300770 Work schedule: around the clock 24/7 | Address: 04080 Kyiv, Vikentia Khvoyki, 15 / 15 Legal name: LLC “FC” FORZA “EDRPOU 41762679 License of the National Financial Service Commission: No. 559 dated 04/13/2018 Director: Natalia Chebanova |
KF.UA | Telephone: 0 800 30 08 83 Work schedule: around the clock | Address: 04080 Kyiv, Vikentia Khvoyki, 15 / 15 Legal name: LLC “FC” FORZA “EDRPOU 41762679 License of the National Financial Service Commission: No. 559 dated 04/13/2018 Director: Natalia Chebanova |
Money4you | Telephone: 0 800 330 024 E-mail: info@money4you.com.ua Work schedule: Mon-Fri: 09:00-20:00 Sat-Wed: 10:00-20:00 | Address: 03150 Kyiv, Kazimyra Malevicha, building 87 Legal name: LLC “Manifo” EDRPOU 42848369 License of the National Financial Service Commission: No. 1198 dated 05/07/2019 Director: Oleg Vasylovich Kuzminov |
SOS Credit | Telephone: (044) 36 36 767 0 (800) 211 767 E-mail: support@sos-credit.com.ua Work schedule: from 9:00 to 18:00 (weekdays) | Address: 23, Pochaynynska, Kyiv, 04070 Legal name: LLC “SOS KREDIT” EDRPOU 39487128 License of the National Financial Service Commission: No. 163 dated January 26, 2017 Director: Timofeev Yaroslav Andreyovych |